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Visa Credit Cards in the UK, bad experience with Phones4U

Visa Credit Cards in the UK, bad experience with Phones4U

Old Feb 14th 2007, 12:58 am
  #1  
LarsensAttack
Guest
 
Posts: n/a
Default Visa Credit Cards in the UK, bad experience with Phones4U

Just had a bad experience with a UK company refusing to
accept my non-chip and pin Visa card in London. The company,
Phones4U even refused to phone Visa to check the validity
of my card. (Visa had told me that all I needed to do if
I ran into that situation was get them to call...)
When I complained to Visa, they had an attack of the mumbles
and couldn't or wouldn't do anything, even though Phones4U
had a clear sign on the door showing they accepted ALL major
credit cards, without any disclaimer for non-chip and pin.
Visa and my issuing bank have said they have no plans to
issue c&p cards to those in the US and if this gets worse,
it could affect tourism.

I had no problems with other companies apart from Phones4U, but
I am about to go back to London and wondered how widespread this
is and what I could do about it? If it happens again I am going to
file a formal written complaint with the Federal Trade Commission,
but that won't help while I am over in the UK. Most other places
in January were fine with the old style cards, but I don't want
to find that I have to start carrying wads of cash because my
credit cards no longer work in the UK or Europe.
Any serious ideas?

--
B3
=People become more liberal as their world knowledge, education and
literacy levels rise. Ignorance is not a virtue, it's a disgrace.
 
Old Feb 14th 2007, 7:04 am
  #2  
Tim.....
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

"LarsensAttack" <BayonetVariation.net> wrote in message
news:[email protected]...
> Just had a bad experience with a UK company refusing to
> accept my non-chip and pin Visa card in London. The company,
> Phones4U even refused to phone Visa to check the validity
> of my card. (Visa had told me that all I needed to do if
> I ran into that situation was get them to call...)
> When I complained to Visa, they had an attack of the mumbles
> and couldn't or wouldn't do anything, even though Phones4U
> had a clear sign on the door showing they accepted ALL major
> credit cards, without any disclaimer for non-chip and pin.
> Visa and my issuing bank have said they have no plans to
> issue c&p cards to those in the US and if this gets worse,
> it could affect tourism.
>
> I had no problems with other companies apart from Phones4U, but
> I am about to go back to London and wondered how widespread this
> is and what I could do about it? If it happens again I am going to
> file a formal written complaint with the Federal Trade Commission,
> but that won't help while I am over in the UK. Most other places
> in January were fine with the old style cards, but I don't want
> to find that I have to start carrying wads of cash because my
> credit cards no longer work in the UK or Europe.
> Any serious ideas?
>

Your complaint is entirely with Phones4U. They are the
one in the wrong here.

You might like to note for future reference, that P4U are one
of the worst companies in the UK high street for customer
service. So, if you don't *have* to do business with them I
would forget about it and take your trade elsewhere in future.

tim
.
 
Old Feb 14th 2007, 8:52 am
  #3  
LarsensAttack
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

tim..... wrote:
> "LarsensAttack" <BayonetVariation.net> wrote in message
> news:[email protected]...
>
>>Just had a bad experience with a UK company refusing to
>>accept my non-chip and pin Visa card in London. The company,
>>Phones4U even refused to phone Visa to check the validity
>>of my card. (Visa had told me that all I needed to do if
>>I ran into that situation was get them to call...)
>>When I complained to Visa, they had an attack of the mumbles
>>and couldn't or wouldn't do anything, even though Phones4U
>>had a clear sign on the door showing they accepted ALL major
>>credit cards, without any disclaimer for non-chip and pin.
>>Visa and my issuing bank have said they have no plans to
>>issue c&p cards to those in the US and if this gets worse,
>>it could affect tourism.
>>
>>I had no problems with other companies apart from Phones4U, but
>>I am about to go back to London and wondered how widespread this
>>is and what I could do about it? If it happens again I am going to
>>file a formal written complaint with the Federal Trade Commission,
>>but that won't help while I am over in the UK. Most other places
>>in January were fine with the old style cards, but I don't want
>>to find that I have to start carrying wads of cash because my
>>credit cards no longer work in the UK or Europe.
>>Any serious ideas?
>>
>
>
> Your complaint is entirely with Phones4U. They are the
> one in the wrong here.
>
> You might like to note for future reference, that P4U are one
> of the worst companies in the UK high street for customer
> service. So, if you don't *have* to do business with them I
> would forget about it and take your trade elsewhere in future.
>

Certainly will, as their manager or whatever the entity was
that appeared to 'deal with me' was appallingly rude and
plainly in some sort of sheltered employment if thats the
way he deals with customers. I was really quite surprised by
the degree of annoyance that the idiot on Putney High Street
showed while telling me he wouldn't accept my card.

I am not sure that I entirely agree that Visa is off the hook,
as they enable and permit these companies to accept Visa cards
and are able to discipline them if they don't play by the rules.
If Visa advertise that you can take their card anywhere and use it
as is claimed 'a cash Visa', then their cards are not
entirely doing the job they purport to. Escpecially since there was
a sign on the door of Phones4U stating that they accept Visa,
which clearly wasn't entirely true. If Visa says "Play by the
rules or we'll take your ability to process other Visa cards away",
then they'd have to accept them and make the phone call if necessary.


--
B3
=People become more liberal as their world knowledge, education and
literacy levels rise. Ignorance is not a virtue, it's a disgrace.
 
Old Feb 14th 2007, 10:01 am
  #4  
Tim.....
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

"LarsensAttack" <BayonetVariation.net> wrote in message
news:[email protected]. ..
>
>
> tim..... wrote:
>> "LarsensAttack" <BayonetVariation.net> wrote in message
>> news:[email protected]...
>>
>>>Just had a bad experience with a UK company refusing to
>>>accept my non-chip and pin Visa card in London. The company,
>>>Phones4U even refused to phone Visa to check the validity
>>>of my card. (Visa had told me that all I needed to do if
>>>I ran into that situation was get them to call...)
>>>When I complained to Visa, they had an attack of the mumbles
>>>and couldn't or wouldn't do anything, even though Phones4U
>>>had a clear sign on the door showing they accepted ALL major
>>>credit cards, without any disclaimer for non-chip and pin.
>>>Visa and my issuing bank have said they have no plans to
>>>issue c&p cards to those in the US and if this gets worse,
>>>it could affect tourism.
>>>
>>>I had no problems with other companies apart from Phones4U, but
>>>I am about to go back to London and wondered how widespread this
>>>is and what I could do about it? If it happens again I am going to
>>>file a formal written complaint with the Federal Trade Commission,
>>>but that won't help while I am over in the UK. Most other places
>>>in January were fine with the old style cards, but I don't want
>>>to find that I have to start carrying wads of cash because my
>>>credit cards no longer work in the UK or Europe.
>>>Any serious ideas?
>>>
>>
>>
>> Your complaint is entirely with Phones4U. They are the
>> one in the wrong here.
>>
>> You might like to note for future reference, that P4U are one
>> of the worst companies in the UK high street for customer
>> service. So, if you don't *have* to do business with them I
>> would forget about it and take your trade elsewhere in future.
>>
>
> Certainly will, as their manager or whatever the entity was
> that appeared to 'deal with me' was appallingly rude and
> plainly in some sort of sheltered employment if thats the
> way he deals with customers. I was really quite surprised by
> the degree of annoyance that the idiot on Putney High Street
> showed while telling me he wouldn't accept my card.
>
> I am not sure that I entirely agree that Visa is off the hook,
> as they enable and permit these companies to accept Visa cards
> and are able to discipline them if they don't play by the rules.
> If Visa advertise that you can take their card anywhere and use it
> as is claimed 'a cash Visa', then their cards are not
> entirely doing the job they purport to. Escpecially since there was
> a sign on the door of Phones4U stating that they accept Visa,
> which clearly wasn't entirely true. If Visa says "Play by the
> rules or we'll take your ability to process other Visa cards away",

realistically this is not going to happen, IMHO

tim
 
Old Feb 14th 2007, 11:10 am
  #5  
LarsensAttack
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

tim..... wrote:
> "LarsensAttack" <BayonetVariation.net> wrote in message
> news:[email protected]. ..
>
>>
>>tim..... wrote:
>>
>>>"LarsensAttack" <BayonetVariation.net> wrote in message
>>>news:[email protected]...
>>>
>>>
>>>>Just had a bad experience with a UK company refusing to
>>>>accept my non-chip and pin Visa card in London. The company,
>>>>Phones4U even refused to phone Visa to check the validity
>>>>of my card. (Visa had told me that all I needed to do if
>>>>I ran into that situation was get them to call...)
>>>>When I complained to Visa, they had an attack of the mumbles
>>>>and couldn't or wouldn't do anything, even though Phones4U
>>>>had a clear sign on the door showing they accepted ALL major
>>>>credit cards, without any disclaimer for non-chip and pin.
>>>>Visa and my issuing bank have said they have no plans to
>>>>issue c&p cards to those in the US and if this gets worse,
>>>>it could affect tourism.
>>>>
>>>>I had no problems with other companies apart from Phones4U, but
>>>>I am about to go back to London and wondered how widespread this
>>>>is and what I could do about it? If it happens again I am going to
>>>>file a formal written complaint with the Federal Trade Commission,
>>>>but that won't help while I am over in the UK. Most other places
>>>>in January were fine with the old style cards, but I don't want
>>>>to find that I have to start carrying wads of cash because my
>>>>credit cards no longer work in the UK or Europe.
>>>>Any serious ideas?
>>>>
>>>
>>>
>>>Your complaint is entirely with Phones4U. They are the
>>>one in the wrong here.
>>>
>>>You might like to note for future reference, that P4U are one
>>>of the worst companies in the UK high street for customer
>>>service. So, if you don't *have* to do business with them I
>>>would forget about it and take your trade elsewhere in future.
>>>
>>
>>Certainly will, as their manager or whatever the entity was
>>that appeared to 'deal with me' was appallingly rude and
>>plainly in some sort of sheltered employment if thats the
>>way he deals with customers. I was really quite surprised by
>>the degree of annoyance that the idiot on Putney High Street
>>showed while telling me he wouldn't accept my card.
>>
>>I am not sure that I entirely agree that Visa is off the hook,
>>as they enable and permit these companies to accept Visa cards
>>and are able to discipline them if they don't play by the rules.
>>If Visa advertise that you can take their card anywhere and use it
>>as is claimed 'a cash Visa', then their cards are not
>>entirely doing the job they purport to. Escpecially since there was
>>a sign on the door of Phones4U stating that they accept Visa,
>>which clearly wasn't entirely true. If Visa says "Play by the
>>rules or we'll take your ability to process other Visa cards away",
>
>
> realistically this is not going to happen, IMHO
>
You're right, but where does that leave US-based people who visit
the UK and Europe regularly? If we're not going to be able to use
our credit cards, what should we do, just go back to travellers cheques
again?


--
B3
=People become more liberal as their world knowledge, education and
literacy levels rise. Ignorance is not a virtue, it's a disgrace.
 
Old Feb 14th 2007, 11:59 am
  #6  
Jack Campin - bogus addre
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

> Just had a bad experience with a UK company refusing to
> accept my non-chip and pin Visa card in London. The company,
> Phones4U even refused to phone Visa to check the validity
> of my card.

Retailers in the UK aren't obliged to accept non-chipped cards.
Most do, but there's nothing to say they have to, and they may
well not have the machinery to process magstripe cards any more,
or may have that feature disabled at installation.

Get your bank back home to issue you with a chipped card for
next time.

I doubt it's going to be long before you won't even be able to
use unchipped cards at ATMs.

============== j-c ====== @ ====== purr . demon . co . uk =============Jack Campin: 11 Third St, Newtongrange EH22 4PU, Scotland | tel 0131 660 4760
<http://www.purr.demon.co.uk/jack/> for CD-ROMs and free | fax 0870 0554 975
stuff: Scottish music, food intolerance, & Mac logic fonts | mob 07800 739 557
 
Old Feb 14th 2007, 12:30 pm
  #7  
Greg Rozelle
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

On Wed, 14 Feb 2007 08:58:10 -0500, LarsensAttack
<BayonetVariation.net> wrote:

>Just had a bad experience with a UK company refusing to
>accept my non-chip and pin Visa card in London. The company,
>Phones4U even refused to phone Visa to check the validity
>of my card. (Visa had told me that all I needed to do if
>I ran into that situation was get them to call...)

Did you ask to speak to the manager? Did you also tell them your are
U.S. travel using a foreign issued card and that the US will not be
upgrading to chip and pin for a long time? However, Canada may speed
the upgrade to chip and pin faster.

>When I complained to Visa, they had an attack of the mumbles
>and couldn't or wouldn't do anything, even though Phones4U
>had a clear sign on the door showing they accepted ALL major
>credit cards, without any disclaimer for non-chip and pin.
>Visa and my issuing bank have said they have no plans to
>issue c&p cards to those in the US and if this gets worse,
>it could affect tourism.

Did you call Visa UK while you were in London? Visa Usa has no
control over what Visa UK does.

You might want to print this web site out and show the merchant.

http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp

You could write to the company headquarters and give them the above
link.

http://www.phones4u.co.uk/contact-us/enquiry-form.asp

Just explain you problem nicely.


UK price is not what you pay on your transactions. You pay US dollars
plus a conversion fee. $10.00 USD dollars 5.09374 GBP
So it cost more money to buy stuff in the UK.


Greg Rozelle
 
Old Feb 14th 2007, 12:53 pm
  #8  
LarsensAttack
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

Jack Campin - bogus address wrote:
>>Just had a bad experience with a UK company refusing to
>>accept my non-chip and pin Visa card in London. The company,
>>Phones4U even refused to phone Visa to check the validity
>>of my card.
>
>
> Retailers in the UK aren't obliged to accept non-chipped cards.
> Most do, but there's nothing to say they have to, and they may
> well not have the machinery to process magstripe cards any more,
> or may have that feature disabled at installation.
>
> Get your bank back home to issue you with a chipped card for
> next time.

Thats the problem. US banks claim they have no plans to issue
chip and pin cards.
>
> I doubt it's going to be long before you won't even be able to
> use unchipped cards at ATMs.
>
> ============== j-c ====== @ ====== purr . demon . co . uk =============> Jack Campin: 11 Third St, Newtongrange EH22 4PU, Scotland | tel 0131 660 4760
> <http://www.purr.demon.co.uk/jack/> for CD-ROMs and free | fax 0870 0554 975
> stuff: Scottish music, food intolerance, & Mac logic fonts | mob 07800 739 557

--
B3
=People become more liberal as their world knowledge, education and
literacy levels rise. Ignorance is not a virtue, it's a disgrace.
 
Old Feb 14th 2007, 12:54 pm
  #9  
LarsensAttack
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

Greg Rozelle wrote:

> On Wed, 14 Feb 2007 08:58:10 -0500, LarsensAttack
> <BayonetVariation.net> wrote:
>
>
>>Just had a bad experience with a UK company refusing to
>>accept my non-chip and pin Visa card in London. The company,
>>Phones4U even refused to phone Visa to check the validity
>>of my card. (Visa had told me that all I needed to do if
>>I ran into that situation was get them to call...)
>
>
> Did you ask to speak to the manager? Did you also tell them your are
> U.S. travel using a foreign issued card and that the US will not be
> upgrading to chip and pin for a long time? However, Canada may speed
> the upgrade to chip and pin faster.

Yes. He refused to phone Visa to check when I asked him
to and refused to accept my card.

>
>
>>When I complained to Visa, they had an attack of the mumbles
>>and couldn't or wouldn't do anything, even though Phones4U
>>had a clear sign on the door showing they accepted ALL major
>>credit cards, without any disclaimer for non-chip and pin.
>>Visa and my issuing bank have said they have no plans to
>>issue c&p cards to those in the US and if this gets worse,
>>it could affect tourism.
>
>
> Did you call Visa UK while you were in London? Visa Usa has no
> control over what Visa UK does.
>
> You might want to print this web site out and show the merchant.
>
> http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp
>
> You could write to the company headquarters and give them the above
> link.
>
> http://www.phones4u.co.uk/contact-us/enquiry-form.asp
>
> Just explain you problem nicely.
>
>
> UK price is not what you pay on your transactions. You pay US dollars
> plus a conversion fee. $10.00 USD dollars 5.09374 GBP
> So it cost more money to buy stuff in the UK.
>
>
> Greg Rozelle

--
B3
=People become more liberal as their world knowledge, education and
literacy levels rise. Ignorance is not a virtue, it's a disgrace.
 
Old Feb 15th 2007, 6:06 am
  #10  
Tim.....
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

"Greg Rozelle" <[email protected]> wrote in message
news:[email protected] et...
> On Wed, 14 Feb 2007 08:58:10 -0500, LarsensAttack
> <BayonetVariation.net> wrote:
>
>>Just had a bad experience with a UK company refusing to
>>accept my non-chip and pin Visa card in London. The company,
>>Phones4U even refused to phone Visa to check the validity
>>of my card. (Visa had told me that all I needed to do if
>>I ran into that situation was get them to call...)
>
> Did you ask to speak to the manager? Did you also tell them your are
> U.S. travel using a foreign issued card and that the US will not be
> upgrading to chip and pin for a long time? However, Canada may speed
> the upgrade to chip and pin faster.
>
>>When I complained to Visa, they had an attack of the mumbles
>>and couldn't or wouldn't do anything, even though Phones4U
>>had a clear sign on the door showing they accepted ALL major
>>credit cards, without any disclaimer for non-chip and pin.
>>Visa and my issuing bank have said they have no plans to
>>issue c&p cards to those in the US and if this gets worse,
>>it could affect tourism.
>
> Did you call Visa UK while you were in London? Visa Usa has no
> control over what Visa UK does.
>
> You might want to print this web site out and show the merchant.
>
> http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp
>
> You could write to the company headquarters and give them the above
> link.

ISTM we just have a bloody minded retailer who has
decided that they can't be bothered with a customer
who doesn't want to pay in their 'standard' way.

They've a perfect right to do this (provided that you are
in a position to give back the item), you could offer cash
and they are entitled to say no if they like. Apart from
taking your business elsewhere the customer has no
remedy here.

And for future travels, the OP should note that there
are other countries in the world where not accepting
Credit cards is normal. Hand one to an assistant
in many German shops and the response will be a
shaken head.

tim
 
Old Feb 15th 2007, 7:48 am
  #11  
Greg Rozelle
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

On Thu, 15 Feb 2007 19:06:38 -0000, "tim....."
<[email protected]> wrote:

>ISTM we just have a bloody minded retailer who has
>decided that they can't be bothered with a customer
>who doesn't want to pay in their 'standard' way.
>
>They've a perfect right to do this (provided that you are
>in a position to give back the item), you could offer cash
>and they are entitled to say no if they like. Apart from
>taking your business elsewhere the customer has no
>remedy here.

No, they don't not according to VISA UK
http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp

There are even required to accept chip and signature cards.

>And for future travels, the OP should note that there
>are other countries in the world where not accepting
>Credit cards is normal. Hand one to an assistant
>in many German shops and the response will be a
>shaken head.
>
>tim

That is different because they don't take credit cards and if they do
they go to follow visa or credit card company rules.

The op should of complained to Visa UK not Visa USA.

What happens if you are at a restraint that take Visa or MasterCard
and you hand them your signature card and they refuse to take it and
you don't have cash on hand? Do they call the cops or do they escort
you to an atm? I am sure they would have to swipe it through the
machine?

I would of the above website printed out to show merchants.

Yes, I do realize that there are other counties that have chip and pin
and the US card won't work even if swiped. They just tell them to go
to an atm.

Greg Rozelle


Greg Rozelle
 
Old Feb 15th 2007, 8:26 am
  #12  
Greg Rozelle
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

Corrected post

On Thu, 15 Feb 2007 19:06:38 -0000, "tim....."
<[email protected]> wrote:

>ISTM we just have a bloody minded retailer who has
>decided that they can't be bothered with a customer
>who doesn't want to pay in their 'standard' way.
>
>They've a perfect right to do this (provided that you are
>in a position to give back the item), you could offer cash
>and they are entitled to say no if they like. Apart from
>taking your business elsewhere the customer has no
>remedy here.

No, they don't not according to VISA UK
http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp

There are even required to accept chip and signature cards.

>And for future travels, the OP should note that there
>are other countries in the world where not accepting
>Credit cards is normal. Hand one to an assistant
>in many German shops and the response will be a
>shaken head.
>
>tim

That is different because they don't take credit cards and if they do
they go to follow visa or credit card company rules.

The op should of complained to Visa UK not Visa USA.

What happens if you are at a restraint that take Visa or MasterCard
and you hand them your signature card and they refuse to take it and
you don't have cash on hand? Do they call the cops or do they escort
you to an atm? I am sure they would have to swipe it through the
machine?

I would have printed the above website out to show the merchant(s)

Yes, I do realize that there are other counties that have chip and pin
and the US card won't work even if swiped. They just tell them to go
to an atm.

Greg Rozelle


Greg Rozelle
 
Old Feb 15th 2007, 9:28 am
  #13  
Jim Ley
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

On Thu, 15 Feb 2007 21:26:08 GMT, Greg Rozelle
<[email protected]> wrote:

>No, they don't not according to VISA UK
>http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp
>
>There are even required to accept chip and signature cards.

But that's a Visa rule, so the shop could just lose their right to
accept Visa, that's very unlikely to happen, Visa don't care enough,
especially if Chip+Sig as a problem for them, as they continue to
carry the fraud risk.

>What happens if you are at a restraint that take Visa or MasterCard
>and you hand them your signature card and they refuse to take it and
>you don't have cash on hand? Do they call the cops or do they escort
>you to an atm?

Of course not, it's a civil debt, the cops wouldn't be interested.

> I am sure they would have to swipe it through the
>machine?

I expect they would in such a case yes, as enforcing the debt later
would likely cost more than the meal...

Jim.
 
Old Feb 15th 2007, 9:30 am
  #14  
Tim.....
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

"Greg Rozelle" <[email protected]> wrote in message
news:[email protected] t...
> Corrected post
>
> On Thu, 15 Feb 2007 19:06:38 -0000, "tim....."
> <[email protected]> wrote:
>
>>ISTM we just have a bloody minded retailer who has
>>decided that they can't be bothered with a customer
>>who doesn't want to pay in their 'standard' way.
>>
>>They've a perfect right to do this (provided that you are
>>in a position to give back the item), you could offer cash
>>and they are entitled to say no if they like. Apart from
>>taking your business elsewhere the customer has no
>>remedy here.
>
> No, they don't not according to VISA UK
> http://www.visaeurope.com/merchant/chipcardsandnewsolutions/chipandpin/adviceforukretailers.jsp

There is nothing there that I can see that suggests the retailer is
obliged to do anything at all wrt credit cards, either in law, or
contractually. It is all "would be good for you if you do this".

>
> There are even required to accept chip and signature cards.
>
>>And for future travels, the OP should note that there
>>are other countries in the world where not accepting
>>Credit cards is normal. Hand one to an assistant
>>in many German shops and the response will be a
>>shaken head.
>>
>>tim
>
> That is different because they don't take credit cards and if they do
> they go to follow visa or credit card company rules.
>
> The op should of complained to Visa UK not Visa USA.
>
> What happens if you are at a restraint that take Visa or MasterCard
> and you hand them your signature card and they refuse to take it and
> you don't have cash on hand? Do they call the cops or do they escort
> you to an atm? I am sure they would have to swipe it through the
> machine?

what the shop do is up to them.

Calling the police is not a (reasonable) option

tim
 
Old Feb 16th 2007, 12:26 am
  #15  
Greg Rozelle
Guest
 
Posts: n/a
Default Re: Visa Credit Cards in the UK, bad experience with Phones4U

On Thu, 15 Feb 2007 22:30:22 -0000, "tim....."
<[email protected]> wrote:

>
>Calling the police is not a (reasonable) option
>
>tim

Other way around. I was talking about the merchant calling the
police because the customer only have a signature card or a foreign
issued card and the customer has no cash on hand. Most US travels
are caring no cash or a very small amount. They either have Credit
or debit card with MasterCard or a Visa symbol. They get better
exchange rates with those cards.

Also most US consumers that see the Visa and MasterCard symbols assume
their card can be used at that merchant. Visa & MasterCard
commercials have claimed they can be used worldwide. That is why you
get some mad customers when the merchant refuses the card or it does
not work. Some people do forgot to notify their bank before they
leave the country this is why their card(S) won't work.

The US debit card system also causes problems because those cards are
sometime recognized as debit cards at foreign merchant but should be
ran as a credit card.


For the other poster.
Chip and signature cards are required to be accepted by your
disability access laws not Visa requirement.


Greg Rozelle
 

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